Required docs

A number of different lending scenarios require different documentation from the applicant (borrower), we will lay out a list of items you will need to collect here that will cover most lenders requirements;

Identification;

Copy of passport, Birth Certificate or Citizenship Certificate
If you are a permanant resident then a copy of your visa is also required
Copy of drivers license (if no drivers license is held, a Medicare card and Bank Debit or Credit card will suffice)
If ID differs from the names used on the Contract of sale, name change papers or a Marriage Certificate will be required, documenting proof of name change.
All of your ID for FHOG (First Home Owner Grant) applications will need to be certified and sighted by your Finance Broker, or by a statutory witness.

Income Verification;

3 Payslips or enough covering at least a one month period, the most recent pay slip must be included in this.
Copy of most recent annual payment summary from employer (group certificate)
If employed less than 12 months a letter from your current employer stating- how long you have been there, how much you earn and that you aren't on a trial period.
If you had more than one employer in the previous financial year, a copy of the annual payment summary from them will also be required.
If any Centrelink payments are received, a copy of an income statement will be required also.
Copy of court order for any maintenance paid, or received.
If self employed, 2 years of business and personal tax returns will be required normally, but given this is a more specialized type of application, call one of our finance brokers to discuss your requirements first, by clicking here.

Credit History;

3 months history on all personal loans, if loan is new (less than 2 months), a copy of the contract will be acceptable.
Most recent credit card statement
Most recent Store card statements
Statement of any HECS repayments
Statement of any Homeswest or Centrelink monies owed

Savings;

3 months history on all transaction accounts held
Record of investment for any term deposits held
Share statements (Chess Holding Statement), or portfolio snapshot from Broker, for any securities held